Research papers

ABA papers explore topical issues affecting banks in Australia to promote public policy discussion.

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Australia’s competitive credit card market
11 Jun 2015
This paper looks at the large range of credit card products and providers available in today’s market. It includes information on card interest rates, features and repayment options.
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Households are borrowing more - so how well are they managing their finances?
1 Jun 2015
This report looks at the value of total borrowings by households in relation to income and assets as well as the use of credit cards and available personal credit.
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Taxes and other levies paid to governments in Australia by the banking Industry
27 Mar 2015
This report looks at the contribution of the Australian banking industry to government revenue through taxes and other levies and compares this with the tax paid by banks in other countries and with the tax paid by other industries in Australia.
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Key truths on housing in Australia
11 Mar 2015
This report provides perspective on trends in the Australian housing market and the state of household finances. It compares house prices at the national level, by state and with other developed countries. The report looks at the main drivers of house prices including monetary policy, and also considers supply of housing relative to demand and bank lending policies.
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ABA response to The Australia Institute in regard to Profit in Home Lending
1 Sep 2012
The purpose of this short paper is to respond to the recently released Technical Brief by The Australia Institute: The Australia Institute, The profit in home lending, Technical Brief No. 16, August 2012. It details the flaws in The Australia Institute's methodology. The ABA also issued a media release on the media reports which were based on The Australia Institute's technical brief.
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Linking Banks and Strong Economic Growth by Brendon Harper, Senior Policy Analyst, Australian Bankers’ Association
1 Aug 2011
The health of our banks and the health of our economy are inseparable. The activities of our banks influence every sector of the Australian economy. Furthermore, as seen through the recent Global Financial Crisis, Australia’s financial system is seen as a cornerstone of the nation’s economic resilience. Equally, the continued strength and profitability of Australia’s financial system relies on the strong long-run economic growth of the nation. This paper established the importance of the banking industry to the Australian economy and the economic and social contributions it makes. Additionally, it highlights the why it is important for the banking industry to consider the role of policy reforms to promote strong economic growth and subsequently why it is important to raise these issues in the public domain.

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